Home Buying in San Jose : Advice

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Miekeba Jones, Real Estate Pro in 20903
Miekeba Jones answered:
I am so frustueded that I think I'm never going to find a house I can't seem to buy a house.
Hi Connie! Have you employed a Realtor to help you find a house, because I can help you find a Realtor?
0 votes Share Flag Thu Feb 21, 2013 Home Buying in Willow Glen
Charles Butt…, Real Estate Pro in Saratoga, CA
Charles Butterfield answered:
Mortgage Relief Act Gets Extended for One More Year -SHORT SALE Options
Thank you, Sam:

Without the effort of the California Association of REALTORS and the National Association of REALTORS the mortgage forgiveness debt relief act never would have been ... more
0 votes Share Flag Thu Jan 3, 2013 Home Buying in San Jose
Mitchell Pea…, Real Estate Pro in San Jose, CA
Mitchell Pearce answered:
I'm looking into purchasing a manufactured home with a down payment assistance program in san jose ca. Is there any programs?
Ruth:

The only manufactured homes in San Jose available are homes where you do not own the land. There are no down payment assistance programs for purchasing such homes in San Jose. ... more
0 votes Share Flag Wed Dec 26, 2012 Home Buying in San Jose
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
I just bought a condo in San Jose CA and I have been looking to get a copy of the floor plan. How do I do that?
You should have a copy of your appraisal and that would give you a rough floor plan. If it is a brand new community you could get that from the sales staff.

If you are looking for m ... more
0 votes Share Flag Mon Dec 31, 2012 Home Buying in San Jose
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
What are the requirements to get a conventional loan. Ex: you need minimum of 3 years of credit history
The requirements are different depending upon which loan program you are trying to get qualified for. I strongly urge you to go through the process of consulting with a mortgage broker ... more
0 votes Share Flag Tue Sep 24, 2013 Home Buying in 95148
Charles Butt…, Real Estate Pro in Saratoga, CA
Charles Butterfield answered:
I am considering a 4 unit complex. Our real estate agent is using a gross rent multiplier in order to value the property that we are considering.
Thank you for your question Jason:

I am a former Real Estate Appraiser and expert witness in both court and arbitration cases for the valuation of both residential and commercial p ... more
0 votes Share Flag Mon Jul 1, 2013 Home Buying in 95129
Tina Lam, Real Estate Pro in San Jose, CA
Tina Lam answered:
loan contigency
You should remove the loan contingency when the buyer is ready. If you're the buyer, then ideally, you would wait until you have final loan approval from your lender. But, if you're in ... more
0 votes Share Flag Sat Dec 15, 2012 Home Buying in San Jose
Jon Nichols, Real Estate Pro in Framingham, MA
Jon Nichols answered:
If our broker is a realtor- are we obligated to use him as our real estate agent or can we just use him for the loan?
You are not obligated to use anyone. You should not be forced into working with any vendor in the process of purchasing your home. If you have a buyer broker, they can recommend people ... more
0 votes Share Flag Fri Dec 28, 2012 Home Buying in 95127
Mitchell Pea…, Real Estate Pro in San Jose, CA
Mitchell Pearce answered:
Should I remove loan contingency?
galabing:

In this lending climate, it is never good to remove the loan contingency till the deal closes. Don't take a lock for less than the time necessary to close the deal. You c ... more
0 votes Share Flag Sat Dec 15, 2012 Home Buying in San Jose
Charles Butt…, Real Estate Pro in Saratoga, CA
Charles Butterfield answered:
I need HELP TO PURCHASE a single family home within 30 miles of San Jose, CA
Thank you for your question:

Yes, finding a single family home under $300,000 within 30 miles of San Jose is a challenge. Our office did have one listed in Boulder Creek, however th ... more
0 votes Share Flag Thu Dec 13, 2012 Home Buying in San Jose
Charles Butt…, Real Estate Pro in Saratoga, CA
Charles Butterfield answered:
I am interested in buying a condo/Townhome in Evergreen, Are there any new constructions/new ones (post 2000s) available?
Thank you for your question, Krish77ranga:

The answer is yes, there certainly are a number of post 2000 condo and townhomes available in Evergreen.

Please call me at my cell phone ... more
0 votes Share Flag Wed Dec 12, 2012 Home Buying in Evergreen
Lamson Dang…, Real Estate Pro in San Jose, CA
Lamson Dang Broker answered:
Looking to purchase property for investment with 100% down payment of about 200 K , what would u recommend considering rental return possibilities ?
Dear Sudarshan Sathe,

It's OK to buy a Townhouse/Condo within $200,000 and rent it out. However, I would think the best could be buying a Duplex/4-flex. If you have income to suppo ... more
0 votes Share Flag Thu Dec 6, 2012 Home Buying in San Jose
Thomas Feng, Real Estate Pro in 95051
Thomas Feng answered:
what are the steps i need to take in order to purchase our first home?
Hi April, here is the home buying process broken down into 5 steps for you http://bayareaconnect.com/buy-a-home-step-1/

This is my real estate blog with weekly market reports and new ... more
0 votes Share Flag Tue Dec 4, 2012 Home Buying in San Jose
Suzanne MacD…, Real Estate Pro in 07856
Suzanne MacDowell answered:
It is my intention to do a quit claims deed on my condo in Chandler, Az, and to occupy it until I die. The property would go to a friend.
This is really a question for an attorney. There may be tax implications and so on. And so many questions, is there a mortgage on the property? How will you protect your rights until ... more
0 votes Share Flag Fri Sep 27, 2013 Home Buying in 95121
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
I'd like to buy a house that is located near San Jose/Milpitas/Santa Clara County and is qualified for USDA Rural zero down purchase loan.
You will more likely find USDA qualified properties in Santa Cruz County. San Jose/Milpitas is not rural. The USDA website has a map showing the areas which qualify.

One of the cha ... more
0 votes Share Flag Thu Nov 22, 2012 Home Buying in San Jose
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
10K PMI on settlement paid for the seller. Is this tax deductible?
This is a tax question and is best directed to your trusted tax advisor.

Generally PMI is not a taxable deduction on owner occupied properties. I'm not a tax advisor so please call ... more
0 votes Share Flag Wed Nov 21, 2012 Home Buying in 95125
Bill Mccord, Real Estate Pro in San Jose, CA
Bill Mccord answered:
Any advice on a rent to own? I want to learn more about it. Also wondering if anyone knows where I can find these types of homes.
Hello. At any time these kinds of options are very rare. nI todays booming sellers market where 99.9% of new listings are sold within days I do not think there is any hope of finding a ... more
0 votes Share Flag Sun Nov 25, 2012 Home Buying in San Jose
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
Can auction properties be bought at steep discount? What are the risks in buying auction properties?
Are you referring to the court house steps or where a real estate agent / company does an auction?

On the court house steps are you just purchasing the foreclosed lien, there may be ... more
0 votes Share Flag Sat Nov 17, 2012 Home Buying in San Jose
Mitchell Pea…, Real Estate Pro in San Jose, CA
Mitchell Pearce answered:
What are the rights of a 1st time home buyer of a short sale home if the current tenants don't move out by the close date?
A.T.

The short answer is you get to honor the terms of their rental agreement until it expires. Then you can ask them to move out or keep them as renters. It usually takes 90 or mo ... more
0 votes Share Flag Wed Nov 14, 2012 Home Buying in San Jose
Thomas Feng, Real Estate Pro in 95051
Thomas Feng answered:
When first time home buyer credit expired in 2011?
Amrikhasm the deadline to purchase a home to be able to receive the credit was May 1, 2010. More information on the tax credit can be found at http://www.irs.gov/uac/First-Time-Homebuye ... more
0 votes Share Flag Fri Nov 16, 2012 Home Buying in San Jose
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